TESTIMONY OF JOSEPH A. SMITH, JR. NORTH CAROLINA COMMISSIONER OF BANKS On behalf of the CONFERENCE OF STATE BANK SUPERVISORS On “MORTGAGE MARKET TURMOIL: CAUSES AND CONSEQUENCES” Joseph A. Smith, Jr. March 22, 2007 Download “TESTIMONY OF JOSEPH A. SMITH, JR. NORTH CAROLINA COMMISSIONER OF BANKS On behalf of the CONFERENCE OF STATE BANK SUPERVISORS On “MORTGAGE MARKET TURMOIL: CAUSES AND CONSEQUENCES”” Testimony (All Forms) United States